I'm sure an IVA could be designed with the flexibility for you to save DLA the months your husband is able to work more to offset against the months he needs to work less. After all, it is these savings that mean you will be able to maintain payments in the lower-earning months. Ergo, it is in creditor's interest to allow you to ringfence the DLA.
To be honest, before going down the BR route, I would be tempted to get a second or third opinion from other IPs.
Sorry, I know you really need this added confusion right now!! But I just thought it was worth considering a second view regarding an IVA if it could potentially guarantee your home will be protected.
